Specialized coverage for
your unique risk profile
From main street storefronts to complex commercial operations, we match you with the right carrier — not just the nearest policy.
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Main Street Small Business
BOP, general liability, commercial property, and business interruption for retail shops, offices, and service businesses.
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Multifamily Living & HOA
Master policies for apartment communities, condominiums, and homeowner associations — including D&O for board members.
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Professional & Management Liability
E&O, D&O, EPLI, and FLI for consulting firms, executives, professionals, and organizations with complex risk exposure.
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Trade Contractors & Construction
General liability, inland marine, builders risk, and workers' comp for contractors, subcontractors, and project owners.
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Freight Transportation
Trucking liability, motor cargo, physical damage, and owner-operator coverage for fleets of any size on any route.
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Warehouse & Distribution
Bailee, inland marine, commercial property, and product liability for storage, fulfillment, and logistics operations.
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Restaurant & Hospitality
Liquor liability, food spoilage, equipment breakdown, and workers' comp tailored for restaurants, bars, and hotels.
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Assisted Living & Nursing Care
Professional, general, and abuse liability for senior care facilities, memory care communities, and in-home care providers.
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Healthcare & Medical Specialists
Medical malpractice, clinic liability, and cyber for physicians, dentists, therapists, and allied health practices.
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Personal Protection for Your Family
Home, Auto, Jewelry, Valuable Artwork & Collectibles, and a Personal Excess Liability Umbrella — bundled and optimized across top-rated carriers for your household.
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Identity Theft & Cyber Risk
Personal cyber coverage for fraud reimbursement, identity restoration, cyber extortion, and online reputation protection.
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Life Insurance & Disability Income
Life insurance paired with short- and long-term disability coverage — protecting your family if you're gone and your income if you can’t work.
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Classic & Specialty Auto
Agreed-value coverage for classic cars, collector vehicles, exotic autos, and motorcycles — with no depreciation at claim time.
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Boat, Yacht & Watercraft
Hull, liability, and uninsured watercraft coverage for fishing boats, pontoons, sailboats, and yachts — on Tennessee's lakes and beyond.
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Aviation
Hull, liability, and hangar coverage for private pilots, charter operators, flight schools, and fixed-base operators.
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Vacation & Investment Properties
Coverage for cabins, condos, and beach properties — including loss of rental income and liability protection when guests arrive.
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EPLI & Work Comp for Domestic Staff
Households that employ staff like nannies, housekeepers, or chefs, take on employment liability—exposures typically excluded from personal umbrella policies.
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Global Travel and K&R Protection
For families with a global footprint — coverage that goes where ever your passport does, including access to crisis response professionals when the stakes are highest.
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